LKFN

+ Watchlist + Portfolio

Lakeland Financial Corp.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $60.07
52-Week Range: $54.36 – $69.40
Market Cap: $1.50B
P/E (TTM): 13.86
EPS (TTM): 4.36
Dividend Yield: 3.46%

Advanced Metrics

Price/Book: 1.94
PEG Ratio: 1.44
Return on Equity: 15.00%
Return on Assets: 1.57%
Gross Margin: 0.00%
Operating Margin: 51.46%
Profit Margin: 40.64%
Current Ratio: —
Debt/Equity: —
Total Debt: $77.89M
Free Cash Flow: —
Revenue Growth: 9.20%
Earnings Growth: 8.70%
Enterprise Value: $1.39B

LKFN Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$244.75M	$246.89M	$253.52M	$268.99M
Selling, General & Admin	$60.53M	$62.51M	$70.19M	$78.65M
Pretax Income	$125.16M	$110.33M	$111.69M	$125.58M
Income Tax	$21.35M	$16.57M	$18.21M	$22.22M
Net Income	$103.82M	$93.77M	$93.48M	$103.36M
Diluted EPS	4.04	3.65	3.63	4.01
Diluted Shares	25.71M	25.72M	25.77M	25.80M

LKFN Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$130.28M	$151.82M	$168.21M	$141.32M
Receivables	$27.99M	$30.01M	$28.45M	$29.00M
Total Assets	$6.43B	$6.52B	$6.68B	$6.99B
Long-Term Debt	$275.00M	$50.00M	—	$14.20M
Total Debt	$275.00M	$50.00M	$0.00	$184.20M
Total Liabilities	$5.86B	$5.87B	$5.99B	$6.23B
Retained Earnings	$646.10M	$692.76M	$736.41M	$788.35M
Shareholders' Equity	$568.80M	$649.70M	$683.82M	$762.40M
Net Debt	$144.72M	—	—	$42.88M

LKFN Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$169.34M	$113.98M	$102.48M	$114.89M
Capital Expenditure	-$4.82M	-$5.99M	-$8.63M	-$11.12M
Free Cash Flow	$164.52M	$107.99M	$93.85M	$103.77M
Depreciation & Amortisation	$6.78M	$6.17M	$5.95M	$5.98M
Stock-Based Compensation	$7.81M	$3.65M	$4.59M	$8.56M
Investing Cash Flow	-$626.52M	-$54.93M	-$164.24M	-$325.42M
Financing Cash Flow	-$95.78M	-$37.51M	$78.13M	$183.65M
Dividends Paid	-$40.85M	-$47.11M	-$49.29M	-$51.43M
Share Repurchases	-$579.00K	-$575.00K	-$592.00K	-$20.39M
Net Change in Cash	-$552.96M	$21.54M	$16.38M	-$26.89M

LKFN Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$66.36M	$69.03M	$69.80M	$69.71M	—
Selling, General & Admin	$17.93M	$21.29M	$20.73M	$21.17M	—
Pretax Income	$32.93M	$32.06M	$36.35M	$32.55M	—
Income Tax	$5.96M	$5.66M	$6.45M	$6.08M	—
Net Income	$26.97M	$26.40M	$29.91M	$26.48M	—
Diluted EPS	1.04	1.03	1.16	1.04	1.13
Diluted Shares	25.78M	25.82M	25.77M	25.49M	25.23M

LKFN Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$235.22M	$310.18M	$192.84M	$141.32M	$151.32M
Receivables	$28.82M	$29.11M	$28.67M	$29.00M	$29.70M
Total Assets	$6.85B	$6.96B	$6.90B	$6.99B	$7.08B
Long-Term Debt	$1.20M	$6.20M	$1.20M	$14.20M	$18.20M
Total Debt	$108.20M	$6.20M	$56.20M	$184.20M	$68.20M
Total Liabilities	$6.16B	$6.25B	$6.15B	$6.23B	$6.33B
Retained Earnings	$743.65M	$757.74M	$771.29M	$788.35M	$801.62M
Shareholders' Equity	$694.42M	$709.90M	$747.41M	$762.40M	$748.90M
Net Debt	—	—	—	$42.88M	—

LKFN Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$28.92M	$16.17M	$36.07M	$33.72M	$34.67M
Capital Expenditure	-$1.79M	-$2.12M	-$5.01M	-$2.20M	-$4.71M
Free Cash Flow	$27.14M	$14.05M	$31.06M	$31.52M	$29.95M
Depreciation & Amortisation	$1.58M	$1.57M	$1.63M	$1.19M	$1.60M
Stock-Based Compensation	$2.23M	$336.00K	$3.55M	$2.44M	$2.38M
Investing Cash Flow	-$115.15M	-$41.19M	-$37.82M	-$131.26M	-$91.82M
Financing Cash Flow	$153.25M	$99.97M	-$115.59M	$46.02M	$67.16M
Dividends Paid	-$12.85M	-$12.88M	-$12.85M	-$12.85M	-$13.21M
Share Repurchases	-$215.00K	-$1.79M	-$224.00K	-$18.16M	-$19.61M
Net Change in Cash	$67.02M	$74.96M	-$117.34M	-$51.52M	$10.01M

Market Snapshot

About

Lakeland Financial Corp. is the holding company for Lake City Bank, a community banking institution serving northern and central Indiana. The company provides commercial and consumer banking services including lending, deposit accounts, wealth management, and treasury services. Lakeland Financial operates through a network of banking centers and focuses on relationship-based community banking. The company emphasizes personalized service and local market expertise.